NOTICE
OF YOUR FINANCIAL PRIVACY RIGHTS
This is our privacy notice for our members. When we use the words "you"
and "your" we mean the following types of members:
All
of our consumer members who have a continuing relationship with us, such as:
• Deposit account
• Loan account
• Credit card
• Automobile lease we service
All
persons (individuals) who do not have a continuing relationship with us but who
may use a financial product or service we provide in isolated transactions. This
includes, for example, someone who
• Uses our ATM machine
• Purchases traveler’s checks or money orders
• Applies for a loan that does not get completed
We
will tell you the sources for nonpublic personal information we collect on our
members. We will tell you what measures we take to secure that information. We
will also tell you what information we share with other entities. We will explain
what your rights are, and how you can exercise them. If you share your account
relationship with someone else, for example where you are a co-borrower or joint
holder of a checking account, we suggest that you share this information with
each other to ensure that each of you are aware of our policy and your options.
We first define some terms. We, our, and us means Choice One Community Federal
Credit Union. Nonpublic personal information means information about you that we collect
in connection with providing a financial product or service to you. Nonpublic
personal information does not include information that is available from public
sources, such as telephone directories or government records.
An affiliate is a company we own or control.
A nonaffiliated third party is a company that is not an affiliate of ours.
Opt out means a choice you can make to prevent certain sharing information.
We will explain how you can exercise this choice.
THE INFORMATION THAT WE COLLECT
We
collect nonpublic personal information about you from the following sources:
Information
we receive from you on applications or other forms
Information
about your transactions with us
Information
about your transactions with nonaffiliated third parties
Information
from a consumer reporting agency
THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC
PERSONAL INFORMATION
We
restrict access to nonpublic personal information about you to those employees
who need to know that information to provide products or services to you. We maintain
physical, electronic, and procedural safeguards that comply with federal regulations
to guard your nonpublic personal information.
NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES
We
may disclose nonpublic personal information to nonaffiliated third parties. Here
are the kinds of nonpublic personal information we disclose to nonaffiliated third
parties:
Nonpublic
personal information we receive from you on a application or other forms, such
as
• Name
• Address
You
may opt out of the disclosure of the information listed above.
Types of Nonaffiliated Third Parties
We may disclose nonpublic personal information about you to the following types
of nonaffiliated third parties:
Financial
service providers, such as
• Securities broker-dealers
• Insurance Agents
We
may also disclose nonpublic personal information about you to nonaffiliated third
parties as permitted by law.
NONPUBLIC
PERSONAL INFORMATION AND FORMER MEMBERS
We
do not disclose nonpublic personal information about former members.
AUTHORIZED SHARING OUTSIDE MARKETING SERVICES
We
may disclose the following information to companies that perform marketing
services on our behalf:
Nonpublic
personal information we receive from you on an application or other forms, such
as
• Name
• Address
Federal
law allows us to disclose the information listed above with companies that perform
marketing services on our behalf. You do not have a right to opt out of the disclosure
of this information. We may also disclose nonpublic personal information about
you to nonaffiliated third parties as permitted by law.
Type of Businesses
Here are the types of businesses with whom we may disclose nonpublic personal
information for outside marketing purposes:
Service
providers that perform marketing services for us
• Direct sales companies
Limitations
on Disclosure
Here are the limitations we impose on the use of nonpublic personal information
to companies that perform marketing services on our behalf:
We
only allow direct mail solicitations.
YOUR
RIGHT TO BLOCK THE DISCLOSURE OF YOUR NONPUBLIC PERSONAL INFORMATION
Nonaffiliated
Third Parties. If you do not want us to share your nonpublic personal information
with nonaffiliated third parties, you can block the release of certain nonpublic
personal information. This is known as your right to "opt out."
Your decision to block the disclosure of your nonpublic personal information will
apply to all products and services you receive from us.
If you have a joint account, an opt out instruction given by one participant of
this account will affect all participants of the account.
If you wish to opt out of disclosures, you may do so by checking the appropriate
box(es) on the Opt Out Notice that you received with this notice and returning
it to us at this address:
Choice One Community Federal Credit Union
101 Hazle Street, P.O. Box 1205
Wilkes-Barre, Pennsylvania 18703-1205
YOU
HAVE THE RIGHT TO CHOOSE
In
this notice, we have explained our policy about the disclosure of certain information.
Nonaffiliated Third Parties. We have explained the kinds of nonpublic personal
information we may disclose to nonaffiliated third parties. We have also explained
the kinds of nonaffiliated third parties with whom we may disclose the nonpublic
personal information. If you prefer that we do not disclose nonpublic personal
information to nonaffiliated third parties, you may opt out of those disclosures,
that is, you may direct us to not make those disclosures (other than the disclosures
permitted by law).
Your decision to block the disclosure of your nonpublic personal information will
apply to all products and services you receive from us.
If you have a joint account, an opt out instruction given by one participant of
this account will affect all participants of the account.
If you wish to opt out of disclosures, you may do so by checking the appropriate
box(es) below and returning this form to us at this address:
Choice One Community Federal Credit Union
101 Hazle Street, P.O Box 1205
Wilkes-Barre, Pennsylvania 18703-1205
Do not share my nonpublic personal
information with nonaffiliated third parties.
Signature
________________________________________________________
Name(s)
________________________________________________________
Social Security Number(s)
________________________________________________________
Account Number(s)
________________________________________________________
Street Address
________________________________________________________
Apt#
________________________________________________________
City ___________________ State __________ ZIP _____________
